Mumbai SBI Metro Credit Card Review

Mumbai SBI Metro Credit Card is a very unique credit card, it is a co-branded credit card that you can use as a normal credit card as well as a sbi metro credit card. The benefits offered by this card are a welcome benefit, sbi card rewards, fuel surcharge waiver, opportunity to get a waiver on the annual fee, auto top-up facility, and lots more. This card also offers some special features like balance transfer, flexipay, add-on card, etc. So let’s take a look at the sbi credit card benefits and charges and see how much it has to offer us.

Sbi credit card eligibility criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Rs. 25,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank.

You can track your sbi card credit card application status from the sbi credit card tracking page.  

Sbi credit card documents required for application:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report.

IF you want to know how to activate new sbi credit card for the first time? 

Fee:

  • Joining Fee: Rs. 499 + GST
  • Annual Fee: Rs. 499 + GST 

You can make your sbi credit card payment online from your sbi card net banking or sbi card online banking account. 

Benefits:

  • Welcome benefit:

You will get Rs. 50 pre-loaded in your smart card account. 

If you can spend Rs. 2000 within the first 60 days of the card issuance you will get 2000 reward points. 

For any queries about the benefit, you can call the sbi credit card helpline no given below. 

  • Reward benefit:

This sbi card offers 10 reward points for each Rs. 100 transactions made on Grocery, Dining, Movies, and departmental stores. You can win up to 5000 sbi card rewards monthly.

You will also get 10 reward points for each Rs. 100 spent to top up your smart card. 

For Rs. 100 transactions on other categories, you will get 1 reward point.

You can check your earned reward points from the sbi credit card mobile app.

  • Fuel surcharge waiver:

This sbi card offers a 1% waiver on fuel surcharge, this sbi credit card offer is applicable at any fuel station in India. The transaction amount should be between Rs. 500 to Rs. 3,000. You can earn a maximum waiver of Rs. 100 per month. 

You can check your total earned waiver amount from your sbi credit card monthly statement

  • Annual fee waiver:

If you can spend Rs. 1,00,000 with your card within a year, then the annual fee for the next year will be waived off. That means you can use the benefits of this sbi credit card with no annual fee

  • Auto top-up:

With this facility, your sbi credit card will top up itself as soon as the sbi credit card balance goes below Rs. 50. You can check your credit card balance by calling the sbi credit card balance check number 8422845512. 

  • Autopay:

With the auto-pay feature, your bills will be paid automatically within due dates. You can also set the maximum amount of sbi card payment want to pay.

  • Sbi card balance transfer facility:

You can transfer the outstanding balances from your other credit card to your ‘Yatra SBI Card’ to get a lower sbi credit card loan interest rate.

  • Flexipay:

With this feature, you can now buy products of your choice with your sbi credit card, and you can pay the bills in easy monthly EMIs at a very low sbi card interest rate. You can transform your bills into EMIs within 10 days of purchase using your sbi card app. You can visit our sbi credit card faq page for the complete process. 

  • Add on the facility:

You can add your loved ones with your sbi bank card as add-on members and they can also enjoy the benefits of having a credit card. The Age of the add-on members should be at least 18 yrs. You can call the sbi card customer service for any assistance. 

  • Alert facility: 

With this feature, you will feel more secure regarding your account. You will get SMS & E-Mail Alerts on cash transactions, reaching the sbi credit card limit, online sbi credit card statement generation, and lots more.

Charges:

Particulars

Payable Amount

Cash Withdrawal Charge

The charges for cash withdrawal from sbi credit card is  2.5% against the withdrawn amount.

Finance Charge

The sbi credit card rate of interest is 3.50% monthly.

Foreign currency transaction

3.5% against the transacted amount.

Add-on card fee

None.

 

Sbi credit card customer care contact details:

Sbi credit card customer care no: 1860 180 1290 (toll-free) / 3902-0202 (add the STD code of your locality)

Sbi credit card customer care email id[email protected] 

If you want to close your SBI credit card account then click here for the sbi credit card cancellation process. 

100xGain Rating:

6.5/10

Final Opinion:

If you are a frequent traveler of the Mumbai metro, then this card will be beneficial for you. You can use this card as a regular credit card and as a metro card. This sbi bank card offers 10 reward points on your transaction, fuel surcharge waiver, annual fee waiver, auto top-up, etc. You will also get some special benefits with this sbi bank card like Flexipay, etc. So if you are a regular traveler of Mumbai Metro and if you want a credit card for your daily uses, then you can go for this card. 

If you want some more options to explore then take a look at the alternative card options given below. 

Alternative Cards: 

  1. ICICI Bank Platinum Identity Credit Card. (Best for earning reward points)
  2. Kotak Mahindra Essentia Platinum Credit Card. (Best for earning reward points)
  3. RBL Travel & Entertainment Credit Card. (Best for reward points and fuel surcharge waiver) 
  4. simply click sbi credit card. (Best for earning reward points) 

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